This all depends on how you use TextMe.
You do not need any credits if you only plan on calling and texting other TextMe users.
Additionally, texting MOST non-TextMe users within the US and Canada is also free!
You need credits if you plan on calling non-TextMe users, or texting and calling non-TextMe users abroad.
Call rates vary per destination. You can find out how much your call will cost by dialing the number! The rate can be seen below the number when sending a text or placing a call!